[Gayle]

The problem with forms is complicated and a bit of a catch 22. The forms need to be complicated because they need to absolutely prove without any doubt that the person claiming is genuine - if the forms had one question 'I need the money because....' anyone and everyone would sound like a worthy cause.

But then the problem with the forms being complicated is that the genuine complainants then struggle to fill the forms in correctly so get knocked back and the expert form fillers get the money because they know what they're doing.